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patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

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Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

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    1. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      Banks need to know what you do for a living but are clueless about our industry. Be able to succinctly describe biz model in one paragraph.

      2 replies 1 retweet 6 likes
    2. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      If you ever find yourself innovating with finances you're *probably* doing it wrong. Higher returns to brainsweat everywhere else in biz.

      1 reply 2 retweets 7 likes
    3. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      Turn on two-factor authentication for your bank account. Ask your bank to put a note on your file require a branch visit 4 any acct changes.

      4 replies 15 retweets 28 likes
    4. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      You think that's inconvenient. So will the guy trying to empty your account. This has "near missed" friends of mine; terrified them.

      3 replies 3 retweets 9 likes
    5. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      Never use a debit card for any purpose other than to withdraw cash from an ATM. Worse protections than CCs, costs more.

      9 replies 37 retweets 35 likes
    6. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      You should probably never touch cash ever in your business. a) You're in software, why do you need to? b) Easy to lose records of expense.

      2 replies 0 retweets 8 likes
    7. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      ROI (tax savings) on having bookkeeper sum up 100 pages of $10 ~ $250 transactions from your CCs for the year >= 1000%.

      2 replies 1 retweet 6 likes
    8. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      If your revenues exceed $200k then talk to bank about getting a line of credit. Hard to get these days, require work, but VERY useful.

      3 replies 2 retweets 10 likes
    9. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      Should you ever have an issue with your bank, escalation path is phone call -> branch visit -> paper letter to "office of president" or IR.

      1 reply 1 retweet 13 likes
    10. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      "In what world do you get faster resolution by sending a paper letter to the CEO of Bank of America than by approved channel?" THIS ONE.

      3 replies 2 retweets 9 likes
      Patrick McKenzie‏ @patio11 8 Apr 2015
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      As your business gets larger/more complicated you need to know what banks find risky and assist them in managing risk w/r/t your business.

      11:20 AM - 8 Apr 2015
      • 1 Retweet
      • 5 Likes
      • Diego Henrique Joshua Conner Ray Tsaihong ʕ•͡ᴥ•ʔ Jim Gray Credit Card Insider
      1 reply 1 retweet 5 likes
        1. New conversation
        2. Patrick McKenzie‏ @patio11 8 Apr 2015
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          Replying to @patio11

          For example, if your business historically does $100k a year in revenue and you have a $200k wire incoming tomorrow, CALL THEM IN ADVANCE.

          4 replies 2 retweets 5 likes
        3. Patrick McKenzie‏ @patio11 8 Apr 2015
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          Replying to @patio11

          Some words which mean things to you mean different things to banks. One prominent example: "hacking." Avoid having it in your statements/etc

          4 replies 3 retweets 11 likes
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